Many people I have talked to think they are young so hospitalisation will not occur to them as they are still healthy. But they never realise that the number ONE cause for hospitalisation is not any disease.

Below is a table abstracted from MOH’s website, from where you can see nearly 10% hospitalisation is caused by accident. Many also do not know that Food Poisoning can be considered as accident and covered by certain personal accident insurance.

However, one must be careful about the terms and conditions of your insurance contract. In some policies, the definition of accident must fulfill the condition of Accidental, External, Violent and Visible. In such policies, you will not be able to make a claim if the cause is due to food poisoning.

200420052006P
Total No. of Discharges (‘000)398.9410.0416.4
% of Total Discharges
1.Accidents, Poisoning & Violence
[ICD9 : 800-999]
8.88.69.1
2.Cancer
[ICD9 : 140-208]
5.45.45.5
3.Ischaemic Heart Disease
[ICD9 : 410-414]
3.83.73.9
4.Obstetric Complications affecting Fetus or Newborn
[ICD9 : 761-763]
1.82.62.4
5.Pneumonia
[ICD9 : 480-486]
2.32.62.3
6.Other Heart Diseases
[ICD9 : 393-398,402,415-429]
2.22.22.3
7.Chronic Obstructive Lung Disease
[ICD9 : 490-493, 496]
2.12.32.3
8.Cerebrovascular Disease (including stroke)
[ICD9 : 430-438]
2.42.22.1
9.Intestinal Infectious Disease
[ICD9 : 001-009]
1.71.62.1
10.Complications related to Pregnancy
[ICD9 : 640-648]
2.12.01.9

About the Author

Ivan Guan is the author of the popular book "FIRE Your Retirement". He is an independent financial adviser with more than a decade of knowledge and experience in providing financial advisory services to both individuals and businesses. He specializes in investment planning and portfolio management for early retirement. His blog provides practical financial tips, strategies and resources to help people achieve financial freedom. Follow his Telegram Channel to join the FIRE community.
The views and opinions expressed in this article are those of the author. This does not reflect the official position of any agency, organization, employer or company. Refer to full disclaimers here.

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